The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$46,004
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,435
−HK$1,454/mo
Today · 4.125%
HK$48,889
baseline
▲ 0.50% · 4.625%
HK$51,864
+HK$2,975/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,778/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,179
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,552
−HK$1,393/mo
Today · 4.125%
HK$53,945
baseline
▲ 0.50% · 4.625%
HK$56,788
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,890/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,205
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,923
−HK$1,744/mo
Today · 4.125%
HK$58,667
baseline
▲ 0.50% · 4.625%
HK$62,237
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,334/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,415
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,063
−HK$1,670/mo
Today · 4.125%
HK$64,733
baseline
▲ 0.50% · 4.625%
HK$68,146
+HK$3,413/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,466/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,406
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,410
−HK$2,035/mo
Today · 4.125%
HK$68,445
baseline
▲ 0.50% · 4.625%
HK$72,610
+HK$4,165/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,890/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,651
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,573
−HK$1,949/mo
Today · 4.125%
HK$75,522
baseline
▲ 0.50% · 4.625%
HK$79,503
+HK$3,981/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,044/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,384
−HK$2,617/mo
Today · 4.125%
HK$88,001
baseline
▲ 0.50% · 4.625%
HK$93,355
+HK$5,354/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,002/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,123
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,594
−HK$2,506/mo
Today · 4.125%
HK$97,100
baseline
▲ 0.50% · 4.625%
HK$102,218
+HK$5,118/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,200/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,512 · Scale 2, in force from 26 Feb 2026)